Did budget coverage turn out to be high-priced auto insurance? Believe me, you're not alone.

Surprisingly, a recent survey revealed that the vast majority of drivers have purchased from the same company for well over three years, and 38% of drivers have never quoted rates to find cheap coverage. Texas insurance shoppers could save themselves $1,770 a year by just comparing rate quotes, but they mistakenly think it's difficult to find cheap insurance by shopping around. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurance company to get the best rates possible on auto insurance.

It's a great practice to take a look at other company's rates periodically since insurance prices are usually higher with each renewal. Just because you had the lowest rates on auto insurance a year ago you will most likely find a better rate quote today. Block out anything you think you know about auto insurance because it's time to teach you how to use online quotes to remove unneeded coverages and save money.

If you have a current insurance policy or need a new policy, you can learn to reduce the price you pay and still get good coverage. Buying affordable insurance in Abilene can initially seem challenging. Smart buyers only need an understanding of the most efficient way to compare price quotes from many different companies.

The providers in the list below provide price quotes in Texas. If you want the best cheap auto insurance in Texas, it's a good idea that you click on several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Abilene
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,138 $569 $95
Chevrolet Equinox LTZ AWD $1,422 $711 $119
Chevrolet Silverado LS Regular Cab 4WD $934 $467 $78
Dodge Ram Quad Cab ST 2WD $1,004 $502 $84
Ford Escape Limited 2WD $1,006 $503 $84
Ford F-150 FX4 Super Cab 4WD $1,346 $673 $112
Ford Focus SEL 4-Dr Sedan $1,172 $586 $98
Honda Accord LX 4-Dr Sedan $1,116 $558 $93
Honda CR-V EX 4WD $1,042 $521 $87
Honda Civic EX-L 2-Dr Coupe $1,680 $840 $140
Hyundai Elantra SE 4-Dr Sedan $1,222 $611 $102
Hyundai Sonata SE 4-Dr Sedan $1,510 $755 $126
Mazda 3 I SV 4-Dr Sedan $888 $444 $74
Nissan Altima 2.5 S 4-Dr Sedan $1,744 $872 $145
Toyota Camry Hybrid $1,292 $646 $108
Toyota Corolla XLE $1,370 $685 $114
Toyota Prius $1,104 $552 $92
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can revise coverage rates greatly.

Abilene insurance costs by age and gender

The information below illustrates the difference between premium costs for male and female drivers in Abilene. The premiums assume no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no discounts are factored in on a Honda Civic EX-L.

Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Choosing vehicle insurance is an important decision

Despite the fact that car insurance is not cheap in Abilene, buying car insurance serves an important purpose.

The benefits of insuring your car greatly outweigh the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $865 each year so it's recommended you shop around at every renewal to make sure the price is not too high.

Informed drivers know how to buy car insurance more affordably

A large part of saving on car insurance is knowing the factors that are used to determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower premium levels. Lots of factors are taken into consideration when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious like where you live or your vehicle rating.

Liability insurance is critical - The liability section of your policy provides coverage if ever you are determined to be liable for damages caused by your negligence. It provides you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Lower premiums with theft deterrents - Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent auto theft and help lower rates.

Car insurance policy lapses raise premiums - Driving with no insurance can get you a ticket and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, not being able to provide proof of insurance can result in fines and jail time.

Marriage discount - Your spouse actually saves money when shopping for car insurance. Marriage demonstrates that you tend to be less irresponsible and it's proven that married drivers tend to file fewer claims.

Where you reside - Residing in small towns and rural areas can save you money when it comes to car insurance. Fewer people translates into fewer accident claims and a lower car theft rate. People in densely populated areas regularly have much more traffic and longer commute times. More time commuting means a statistically higher chance of an accident.

No policy claims equals lower rates - If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Car insurance companies in Texas generally give cheaper rates to people who do not file claims often. Insurance coverage is designed for major claims that would cause financial hardship.

Pay more for higher performance vehicles - The make and model of the car or truck you are buying insurance for makes a huge difference in your rates. Lower cost passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.

Get cheaper insurance with discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that many people don't even know exist. Most are applied at the time you complete a quote, but once in a while a discount must be manually applied before you get the savings. If you are not receiving all the discounts you qualify for, you could be getting lower rates.Cheaper insurance with discounts

You should keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, that's just not realistic.

Large insurance companies and the discounts they provide can be read below.

If you are trying to find cheaper Abilene car insurance quotes, ask each insurance company which credits you are entitled to. Some discounts may not be offered in your state. To choose insurers with significant discounts in Texas, follow this link.

When to get advice from an agent

Some consumers just want to talk to an insurance agent and that is not a bad decision Good agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to.

Insurance agency in AbileneFor easy comparison, once you complete this form (opens in new window), the quote information is sent to insurance agents in Abilene that give free quotes for your coverage. It simplifies rate comparisons since you won't have to even leave your home since price quotes are sent straight to your inbox. If you want to compare prices for a specific company, you can always go to their quote page and give them your coverage information.

Choosing a insurer needs to be determined by more than just a cheap quote. These are some questions you should get answers to.

Different types of Abilene auto insurance agents

If you would like to find a reliable insurance agent, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Abilene agents are either independent (non-exclusive) or exclusive. Both sell insurance policies, but it is important to understand the subtle differences because it may have an impact on buying decisions.

Exclusive Insurance Agencies

Exclusive agencies normally can only provide a single company's rates such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agencies are well schooled on what they offer which aids in selling service over price.

Independent Insurance Agencies

Independent insurance agents are not limited to a single company and that allows them to write policies with many different companies depending on which coverage is best. If you want to switch companies, an independent agent can move your coverage and you don't have to find a new agent.

When comparison shopping, we recommend you include several independent agencies to ensure the widest selection of prices.

Car insurance claims by make and model

Are you driving a vehicle with a high chance of a claim? The statistics below show the best and worst manufacturer models for overall likelihood of having claims organized by coverage.

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Dodge Charger
Audi A4 Allroad Mitsubishi Mirage
Ford F-250 SuperCrew Kia Forte
Chevrolet Silverado 3500 Chrysler 200
Ford Expedition Hyundai Accent
Chevrolet Corvette Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford Edge BMW M6
GMC Canyon Nissan GT-R
Nissan Xterra Audi RS7
Jeep Wrangler Bentley Continental Flying Spur
Mini Cooper Maserati Ghibli
Ford F-250 SuperCab Ferrari 458

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chevrolet Impala
Fiat 500 Kia Rio
Mercedes-Benz SL Class Kia Optima
Subaru Outback Hyndai Accent
Acura MDX Chrysler 200
Audi A6 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Porsche Panamera GTS
GMC Sierra 2500 Bentley Continental GTC
Volvo V60 BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Infiniti QX50 Mercedes-Benz S Class
Smart ForTwo BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Smart consumers save more

While you're price shopping online, do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim that it was a big mistake. Your objective should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

In this article, we covered many tips how you can lower your insurance rates in Abilene. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap Abilene car insurance quotes. You may even discover the best price on insurance is with some of the smallest insurance companies. Some small companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Some insurance providers do not provide rate quotes online and usually these regional carriers provide coverage only through independent insurance agents. Budget-conscious insurance can be sourced both online and from local agencies, and you should compare price quotes from both so you have a total pricing picture.

Additional information can be found at the links below